We analyzed the best no exam life insurance companies to help you get covered without providing personal health information.
These top companies issue life insurance policies without a medical exam.
The best no exam life insurance has a high age cap without sacrificing death benefits. Learn more from our guide on the best no medical life insurance.
Key Takeaways ; Nationwide’s Life Essentials term life policy has the highest potential death benefit of $1.5 million. ; Some no-exam policies may require applicants to answer a health questionnaire. ; No-exam policies may use different kinds and amounts of information in the underwriting process, which can affect how long it takes to be approved as well as the policy cost.
Ladder ; 20 - 60 years old · 100,000 · 8,000,000 · 10, 15, 20, 25 or 30 years · No, for coverage up to $3M · Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.
We analyzed rates and coverage to find the best no medical exam life insurance companies. See why Protective, Pacific Life and Symetra top our list.
Key Takeaways ; No-exam life insurance policies have a simplified application process usually resulting in starting coverage quicker ; The three most common types of no-exam life insurance are group, simplified issue, and guaranteed issue. ; Plans are typically more expensive than medically underwritten policies.
Best for high returns: Allianz Life Insurance ; Best for affordability: New York Life Insurance ; Best for term life: Ladder Life
Compare our picks for the best term life insurance to find the best option for you. Top companies include Banner Life, State Farm, and Prudential.
You can get term life insurance with no medical exam, but it usually involves some trade-offs. Read on as we explain the pros and cons of the no-med options.